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Smart Shopper Questions About Auto Insurance & Accidents
4407 messages, Last post on Nov 27, 2009 at 7:06 AM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: euphonium (Aug 02, 2008 7:24 pm)
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Replying to: juliagolia (Aug 03, 2008 6:39 am) This type of coverage, errors & omissions liability, normally has some significant deductibles. Usually $5,000 is the lowest. Of course I don't know if that applies to your agent. In fact, their deductible could be even higher. But my point is that you need to deal firmly with the owner(s) of the agency. Threats of lawsuits will get you nowhere. Simply point out that it was their mistake and you feel it's reasonable that they step forward and take care of the matter. Assuming they have a strong relationship with Progessive they might even get the carrier to retroactively take on the claim. Doubtful but possible. At the end of the day, it is YOUR responsibility to ensure that your policies are accurate and up to date. But in this case your agent was given specific instructions and had evidence of what was needed. At the very least, as a new customer they should have gone over your policies with you when they were issued to ensure no errors. Your agent makes money on your business. Expecting them to provide service in return is not unreasonable. And finally, regardless of what happens, find a new agent. Your relationship with this agency is tainted and will never be perfect. A fresh start with another agent who knows the problems you've had before is the only way to go. Ask your friends and family for references. Don't just look in the phone book. Good luck. |
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Replying to: satire (Aug 07, 2008 11:27 am)
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Replying to: houdini1 (Aug 07, 2008 1:08 pm)
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Replying to: houdini1 (Aug 07, 2008 1:08 pm) OTOH, every carrier (insurance company) has required the agency to have E&O. Never had the carrier require the agent to obtain it unless writing surplus lines. But our agents do not issue binders/policies so YMMV. |
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Replying to: euphonium (Aug 08, 2008 7:43 am) |
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has E&O, and the agent works for the agency, then the agent should be covered, I would think, just like nurses do not have their own malpractice policy, but, as employees of the hospital, they are covered for malpractice...or have I just blundered into the wrong area again???
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Replying to: marsha7 (Aug 09, 2008 6:11 am) Hospital nurses and pharmacists are usually covered for MP as you suggest. After my wife retired, we decided she would not be a relief pharmacist, as she would have to carry her own MP policy & making only $50/ hour is not worth risking our assets. |
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Maybe I could take a class or two from you and fill in all those gaps in my meager knowledge...I always appreciate anyone who can teach me a thing or two (or three, or four...)
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Replying to: marsha7 (Aug 09, 2008 10:31 am) Today CE is via the internet and much more efficient, but not as much fun or personal. 
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